System and method to provide telematics data on a map display

Abstract

A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.

Description

CROSS-REFERENCE TO RELATED APPLICATION [0001]This application claims the benefit of U.S. Provisional Application No. 61 / 650,040 entitled “System and Method Associated with Telematics Data” and filed on May 22, 2012. The entire contents of that application are incorporated herein by reference.FIELD OF THE INVENTION [0002]In general, the invention relates to a computerized system and method for providing telematics data on a map display.BACKGROUND OF THE INVENTION[0003]The insurance industry has begun exploring the use of telematics sensors and other location-aware devices in motor vehicles as a way of determining driver behavior and, from this, driver risk for the purposes of underwriting, pricing, renewing, and servicing vehicle insurance. The devices can capture very high frequency information on location, speed, vehicle handling, vehicle characteristics, and other factors, which can be used in setting vehicle insurance rates. This data may be used to identify safety events, such a...

AI Technical Summary

Benefits of technology

The patent text discusses the need for ways to encourage drivers to provide telematics information and modify behaviors to reduce the likelihood of accidents and losses. This may be done by using safety events that are calculated from location information and other vehicle data, such as speed, orientation, and acceleration. Statistical analysis of the data can then be used to classify these events into different intensity levels. The technical effect of this patent is to provide a way to help reduce the risk of accidents and losses by encouraging drivers to provide information and make safer driving decisions.

Problems solved by technology

It can be difficult to encourage drivers to provide such data and / or to adjust driving habits in ways that may lower risk.

The relationships between telematics data (e.g., where and when safety events occur) and the real world can be difficult for a driver to understand.

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